The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Equities 88579Y101   166,057 1,519 SH   DFND   1,519 0 0
3M CO Equities 88579Y101   92,047 842 SH   SOLE   842 0 0
ABBOTT LABORATORIES Equities 002824100   99,063 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100   4,304,838 39,110 SH   SOLE   39,110 0 0
ABBVIE INC COM Equities 00287Y109   148,771 960 SH   DFND   960 0 0
ABBVIE INC COM Equities 00287Y109   6,553,061 42,286 SH   SOLE   42,095 0 191
ACCENTURE PLC IRELAND CL A Equities G1151C101   25,616 73 SH   DFND   73 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101   508,118 1,448 SH   SOLE   1,391 0 57
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106   217,210 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   41,907 300 SH   DFND   300 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   1,025,325 7,340 SH   SOLE   7,340 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   76,102 540 SH   DFND   540 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   1,167,464 8,284 SH   SOLE   8,284 0 0
AMAZON.COM INC Equities 023135106   30,388 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106   636,477 4,189 SH   SOLE   4,189 0 0
AMERICAN EXPRESS CO Equities 025816109   37,468 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109   250,848 1,339 SH   SOLE   1,339 0 0
AMERICAN TOWER CORP NEW Equities 03027X100   25,042 116 SH   DFND   116 0 0
AMERICAN TOWER CORP NEW Equities 03027X100   179,612 832 SH   SOLE   754 0 78
AMGEN INC Equities 031162100   110,024 382 SH   DFND   382 0 0
AMGEN INC Equities 031162100   445,279 1,546 SH   SOLE   1,403 0 143
APPLE INC Equities 037833100   1,061,995 5,516 SH   DFND   5,516 0 0
APPLE INC Equities 037833100   9,442,249 49,043 SH   SOLE   49,043 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   357,143 1,533 SH   DFND   1,533 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   1,916,178 8,225 SH   SOLE   8,016 0 209
BECTON DICKINSON & CO Equities 075887109   158,490 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109   569,831 2,337 SH   SOLE   2,337 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702   1,166,992 3,272 SH   SOLE   3,272 0 0
BLACKROCK INC Equities 09247X101   240,293 296 SH   SOLE   296 0 0
BOEING CO Equities 097023105   629,233 2,414 SH   SOLE   2,414 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   29,503 575 SH   DFND   575 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   532,957 10,387 SH   SOLE   10,387 0 0
BROADCOM INC Equities 11135F101   23,441 21 SH   DFND   21 0 0
BROADCOM INC Equities 11135F101   580,450 520 SH   SOLE   454 0 66
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   29,787 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   242,268 2,440 SH   SOLE   2,440 0 0
CANADIAN PACIFIC KANSAS CITY LT Equities 13646K108   359,802 4,551 SH   SOLE   4,551 0 0
CARRIER GLOBAL CORP Equities 14448C104   37,055 645 SH   DFND   645 0 0
CARRIER GLOBAL CORP Equities 14448C104   222,274 3,869 SH   SOLE   3,869 0 0
CATERPILLAR INC Equities 149123101   62,091 210 SH   DFND   210 0 0
CATERPILLAR INC Equities 149123101   285,913 967 SH   SOLE   967 0 0
CHEVRON CORP Equities 166764100   61,752 414 SH   DFND   414 0 0
CHEVRON CORP Equities 166764100   3,683,059 24,692 SH   SOLE   24,692 0 0
CHUBB LIMITED Equities H1467J104   89,948 398 SH   DFND   398 0 0
CHUBB LIMITED Equities H1467J104   1,636,466 7,241 SH   SOLE   6,990 0 251
CISCO SYSTEMS INC Equities 17275R102   161,664 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102   526,620 10,424 SH   SOLE   9,810 0 614
COCA COLA CO Equities 191216100   60,109 1,020 SH   DFND   1,020 0 0
COCA COLA CO Equities 191216100   1,329,638 22,563 SH   SOLE   22,563 0 0
COMCAST CORP CLASS A Equities 20030N101   17,496 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101   232,361 5,299 SH   SOLE   5,299 0 0
COSTCO WHOLESALE CORP Equities 22160K105   213,206 323 SH   DFND   323 0 0
COSTCO WHOLESALE CORP Equities 22160K105   3,389,511 5,135 SH   SOLE   5,096 0 39
CSX CORP Equities 126408103   776,539 22,398 SH   SOLE   22,398 0 0
CUMMINS INC Equities 231021106   23,717 99 SH   DFND   99 0 0
CUMMINS INC Equities 231021106   375,406 1,567 SH   SOLE   1,334 0 233
CVS HEALTH CORPORATION Equities 126650100   278,097 3,522 SH   SOLE   3,522 0 0
DEERE & COMPANY Equities 244199105   805,338 2,014 SH   SOLE   2,014 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103   263,337 6,100 SH   SOLE   6,100 0 0
DISNEY WALT CO Equities 254687106   1,806 20 SH   DFND   20 0 0
DISNEY WALT CO Equities 254687106   1,342,161 14,865 SH   SOLE   14,865 0 0
ECOLAB INC Equities 278865100   24,595 124 SH   DFND   124 0 0
ECOLAB INC Equities 278865100   352,865 1,779 SH   SOLE   1,614 0 165
EXPEDITORS INTERNATIONAL Equities 302130109   459,828 3,615 SH   SOLE   3,615 0 0
EXXON MOBIL CORP Equities 30231G102   269,946 2,700 SH   DFND   2,700 0 0
EXXON MOBIL CORP Equities 30231G102   2,714,157 27,147 SH   SOLE   27,147 0 0
FEDEX CORP Equities 31428X106   31,621 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106   359,976 1,423 SH   SOLE   1,423 0 0
FORD MOTOR COMPANY Equities 345370860   19,504 1,600 SH   DFND   1,600 0 0
FORD MOTOR COMPANY Equities 345370860   114,245 9,372 SH   SOLE   9,372 0 0
GENERAL ELECTRIC CO Equities 369604301   14,805 116 SH   DFND   116 0 0
GENERAL ELECTRIC CO Equities 369604301   283,083 2,218 SH   SOLE   2,218 0 0
GENERAL MILLS INC Equities 370334104   110,738 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104   150,343 2,308 SH   SOLE   2,308 0 0
HARLEY DAVIDSON INC Equities 412822108   515,760 14,000 SH   SOLE   14,000 0 0
HEALTH CARE SELECT SECTOR SPDRR Equities 81369Y209   239,483 1,756 SH   SOLE   1,756 0 0
HOME DEPOT INC Equities 437076102   27,724 80 SH   DFND   80 0 0
HOME DEPOT INC Equities 437076102   174,315 503 SH   SOLE   503 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   940,340 4,484 SH   SOLE   4,484 0 0
INTEL CORP Equities 458140100   97,133 1,933 SH   DFND   1,933 0 0
INTEL CORP Equities 458140100   642,647 12,789 SH   SOLE   12,789 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   141,144 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   405,931 2,482 SH   SOLE   2,482 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613   323,564 9,191 SH   SOLE   8,654 0 537
INVESCO SENIOR LOAN ETF Fixed Income 46138G508   208,316 9,836 SH   SOLE   9,836 0 0
ISHARES CORE MSCI EAFE ETF Equities 46432F842   353,368 5,023 SH   SOLE   5,000 0 23
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103   558,302 11,038 SH   SOLE   10,887 0 151
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   98,962 1,524 SH   DFND   1,524 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   2,432,050 37,456 SH   SOLE   36,875 0 581
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200   3,186,581 6,672 SH   SOLE   6,656 0 16
ISHARES CORE S&P MID CAP ETF Equities 464287507   666,150 2,404 SH   SOLE   2,404 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226   2,422,706 24,408 SH   SOLE   23,383 0 1,025
ISHARES MSCI EAFE (MKT) Equities 464287465   82,508 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   1,457,118 19,338 SH   SOLE   19,208 0 130
ISHARES MSCI EMG MKT ETF Equities 464287234   558,925 13,900 SH   SOLE   13,900 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339   443,953 3,016 SH   SOLE   2,931 0 85
ISHARES NATIONAL AMT-FREE MUNI Fixed Income 464288414   590,835 5,450 SH   SOLE   5,450 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   73,902 244 SH   DFND   244 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   300,108 990 SH   SOLE   990 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655   2,700,754 13,456 SH   SOLE   13,409 0 47
ISHARES RUSSELL 2000 GROWTH Equities 464287648   90,080 357 SH   DFND   357 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   709,490 2,813 SH   SOLE   2,788 0 25
ISHARES RUSSELL 2000 VALUE Equities 464287630   81,263 523 SH   DFND   523 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   371,794 2,396 SH   SOLE   2,336 0 60
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   142,401 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   3,230,770 41,564 SH   SOLE   41,403 0 161
ISHARES RUSSELL MID-CAP VALUE Equities 464287473   333,055 2,864 SH   SOLE   2,794 0 70
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   24,584 216 SH   DFND   216 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   574,717 5,041 SH   SOLE   4,904 0 137
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   24,602 311 SH   DFND   311 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   446,097 5,631 SH   SOLE   5,513 0 118
ISHARES SELECT DIVIDEND (MKT) Equities 464287168   213,106 1,818 SH   SOLE   1,818 0 0
ISHARES TIPS BOND (MKT) Fixed Income 464287176   231,104 2,150 SH   SOLE   2,150 0 0
JOHNSON AND JOHNSON Equities 478160104   214,264 1,367 SH   DFND   1,367 0 0
JOHNSON AND JOHNSON Equities 478160104   2,892,480 18,454 SH   SOLE   18,154 0 300
JPMORGAN CHASE & CO COM Equities 46625H100   208,883 1,228 SH   DFND   1,228 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   2,246,511 13,207 SH   SOLE   13,207 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101   79,488 13,800 SH   SOLE   13,800 0 0
LINDE PLC Equities G54950103   236,158 575 SH   DFND   575 0 0
LINDE PLC Equities G54950103   660,832 1,609 SH   SOLE   1,609 0 0
LOWES COMPANIES INC Equities 548661107   23,813 107 SH   DFND   107 0 0
LOWES COMPANIES INC Equities 548661107   580,856 2,610 SH   SOLE   2,526 0 84
MASTERCARD INC CLASS A Equities 57636Q104   446,556 1,047 SH   SOLE   1,047 0 0
MCCORMICK & CO INC Equities 579780206   205,260 3,000 SH   SOLE   3,000 0 0
MCDONALDS CORP Equities 580135101   222,383 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101   957,134 3,228 SH   SOLE   3,228 0 0
MCKESSON CORP Equities 58155Q103   508,815 1,099 SH   SOLE   1,099 0 0
MERCK & CO INC Equities 58933Y105   19,624 180 SH   DFND   180 0 0
MERCK & CO INC Equities 58933Y105   638,966 5,861 SH   SOLE   5,861 0 0
META PLATFORMS INC Equities 30303M102   261,930 740 SH   SOLE   740 0 0
MICROSOFT CORP Equities 594918104   1,388,716 3,693 SH   DFND   3,693 0 0
MICROSOFT CORP Equities 594918104   11,805,400 31,394 SH   SOLE   31,234 0 160
MONDELEZ INTL INC CL A Equities 609207105   4,346 60 SH   DFND   60 0 0
MONDELEZ INTL INC CL A Equities 609207105   302,902 4,182 SH   SOLE   4,182 0 0
NEXTERA ENERGY INC Equities 65339F101   131,745 2,169 SH   DFND   2,169 0 0
NEXTERA ENERGY INC Equities 65339F101   895,308 14,740 SH   SOLE   14,502 0 238
NIKE INC CL B Equities 654106103   2,153,703 19,837 SH   SOLE   19,837 0 0
NORFOLK SOUTHERN CORP Equities 655844108   236,380 1,000 SH   SOLE   1,000 0 0
NOVARTIS AG ADR Equities 66987V109   116,015 1,149 SH   DFND   1,149 0 0
NOVARTIS AG ADR Equities 66987V109   678,014 6,715 SH   SOLE   6,151 0 564
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105   1,765,972 159,240 SH   SOLE   159,240 0 0
ORACLE CORP Equities 68389X105   105,430 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   589,354 5,590 SH   SOLE   5,590 0 0
PEPSICO INC Equities 713448108   211,621 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108   1,048,252 6,172 SH   SOLE   6,172 0 0
PFIZER INC Equities 717081103   50,872 1,767 SH   DFND   1,767 0 0
PFIZER INC Equities 717081103   373,579 12,976 SH   SOLE   12,976 0 0
PHILIP MORRIS INTL INC Equities 718172109   14,676 156 SH   DFND   156 0 0
PHILIP MORRIS INTL INC Equities 718172109   293,436 3,119 SH   SOLE   3,119 0 0
PHILLIPS 66 Equities 718546104   61,244 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104   394,893 2,966 SH   SOLE   2,966 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106   348,941 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109   195,631 1,335 SH   DFND   1,335 0 0
PROCTER & GAMBLE CO Equities 742718109   2,772,097 18,917 SH   SOLE   18,917 0 0
QUALCOMM INC Equities 747525103   28,926 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103   775,506 5,362 SH   SOLE   5,173 0 189
RAYTHEON TECHS CORP Equities 75513E101   120,068 1,427 SH   DFND   1,427 0 0
RAYTHEON TECHS CORP Equities 75513E101   1,016,579 12,082 SH   SOLE   11,862 0 220
S&P GLOBAL INC Equities 78409V104   135,680 308 SH   DFND   308 0 0
S&P GLOBAL INC Equities 78409V104   625,979 1,421 SH   SOLE   1,376 0 45
SARATOGA INVESTMENT CORP NEW Equities 80349A208   284,460 11,000 SH   SOLE   11,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   337,534 4,434 SH   DFND   4,434 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   1,450,679 19,057 SH   SOLE   19,057 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201   1,609,430 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607   653,991 13,844 SH   SOLE   13,844 0 0
SEMPRA ENERGY Equities 816851109   287,711 3,850 SH   SOLE   3,850 0 0
SPDR PORT INTERMEDIATE TERM COR Fixed Income 78464A375   757,091 23,061 SH   SOLE   22,098 0 963
SPDR S&P 500 (MKT) Equities 78462F103   190,124 400 SH   DFND   400 0 0
SPDR S&P 500 (MKT) Equities 78462F103   1,734,406 3,649 SH   SOLE   3,549 0 100
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107   2,280,673 4,495 SH   SOLE   4,495 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   128,491 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   1,015,253 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109   24,003 250 SH   DFND   250 0 0
STARBUCKS CORP Equities 855244109   702,601 7,318 SH   SOLE   6,939 0 379
STATE STREET CORPORATION Equities 857477103   48,955 632 SH   DFND   632 0 0
STATE STREET CORPORATION Equities 857477103   155,230 2,004 SH   SOLE   1,553 0 451
SUN LIFE FINANCIAL INC Equities 866796105   347,099 6,693 SH   SOLE   6,693 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109   539,370 9,000 SH   SOLE   9,000 0 0
TARGET CORP Equities 87612E106   28,484 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106   524,390 3,682 SH   SOLE   3,565 0 117
THERMO FISHER SCIENTIFIC INC Equities 883556102   595,546 1,122 SH   SOLE   1,122 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   36,320 231 SH   DFND   231 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   412,414 2,623 SH   SOLE   2,491 0 132
US BANCORP Equities 902973304   665,690 15,381 SH   SOLE   15,381 0 0
VANGUARD DIVIDEND APPREC IDX ET Equities 921908844   356,306 2,091 SH   SOLE   1,717 0 374
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   1,092,449 22,806 SH   SOLE   22,806 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   32,510 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   876,693 21,332 SH   SOLE   21,021 0 311
VANGUARD GROWTH ETF (MKT) Equities 922908736   2,975,614 9,571 SH   SOLE   9,209 0 362
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   540,696 4,844 SH   DFND   4,844 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   2,414,271 21,628 SH   SOLE   21,068 0 560
VANGUARD LARGE CAP ETF Equities 922908637   1,364,746 6,256 SH   SOLE   6,256 0 0
VANGUARD MEGA CAP GROWTH ETF Equities 921910816   249,130 960 SH   SOLE   960 0 0
VANGUARD REIT ETF (MKT) Equities 922908553   376,060 4,256 SH   SOLE   4,256 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363   501,210 1,147 SH   SOLE   1,147 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827   615,391 7,991 SH   SOLE   7,787 0 204
VANGUARD TOTAL INTL STOCK IDX F Equities 921909768   614,805 10,608 SH   SOLE   10,608 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   1,820,426 7,674 SH   SOLE   7,674 0 0
VANGUARD VALUE ETF Equities 922908744   98,159 656 SH   DFND   656 0 0
VANGUARD VALUE ETF Equities 922908744   3,303,967 22,101 SH   SOLE   21,517 0 584
VERIZON COMMUNICATIONS INC Equities 92343V104   63,751 1,691 SH   DFND   1,691 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   450,063 11,938 SH   SOLE   11,938 0 0
VISA INC CL A Equities 92826C839   943,769 3,625 SH   SOLE   3,625 0 0
WALMART INC Equities 931142103   82,293 522 SH   DFND   522 0 0
WALMART INC Equities 931142103   173,573 1,101 SH   SOLE   1,101 0 0
WELLS FARGO & COMPANY Equities 949746101   182,114 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101   988,584 20,085 SH   SOLE   20,085 0 0
WEYERHAEUSER CO Equities 962166104   40,403 1,162 SH   DFND   1,162 0 0
WEYERHAEUSER CO Equities 962166104   209,037 6,012 SH   SOLE   6,012 0 0
ZOETIS INC Equities 98978V103   43,224 219 SH   DFND   219 0 0
ZOETIS INC Equities 98978V103   408,161 2,068 SH   SOLE   2,068 0 0